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The Making Home Affordable Program of the U.S. Treasury Department allows eligible borrowers to refinance or modify their mortgage loans, resulting in more affordable home payments.
U.S. Bank is participating in the program and fully supports efforts to help families remain in their homes by working to lower monthly home mortgage payments.
Detailed information about the Making Home Affordable Program is available at makinghomeaffordable.gov. To determine if you’re eligible for a HARP refinance or HAMP modification, please review the following information.
You may be eligible for a HAMP modification through U.S. Bank if all of the following are true:
If you answered "yes" to all of the above criteria, you may be eligible for a HAMP modification through U.S. Bank. Please contact any of our loan specialists to review your options and begin the application process. To locate a loan specialist in your area, call 866-932-0462.
In 2011, enhancements were made to the Home Affordability Refinance Program (HARP) to help homeowners refinance their current mortgage even if the value of the home has declined. Some of these changes, which are effective through the end of 2015, include:
If you have a Freddie Mac or a Fannie Mae loan:
Learn more about the Home Affordability Refinance Program (HARP) and how it can help eligible borrowers take advantage of low interest rates and other refinancing benefits.
If you are not eligible or do not qualify for a loan modification or refinance under the HAMP or HARP programs, U.S. Bank may have other options to help you with your mortgage loan.
We are committed to trying to help our borrowers under the Making Home Affordable Program. While not all borrowers are eligible and may not qualify under the program, we urge you to contact us if you are unable to make or are having difficulty making your loan payment.